Al R,
Yes, I think you are right about the Civil Service, but they pay through the nose with personal contributions for that scheme and work for longer. We will still pay no personal contribution (and no our pay is not abated by 4% before anyone mentions it) and have a NPA of 60. I think the FAFPS Team have negotiated a good deal, given the hand they have been dealt. Indeed, I think a few of us will be better off under FAFPS than AFPS 75.
Rev